Chase Sapphire Preferred® Card

The following table shows the features, rates, and other key data for the Chase Sapphire Preferred® Card offer in Chase offers. These terms are updated on a daily basis by the CreditCards.org database. If you wish to apply for the card, you may do so securely on its official website by clicking the Apply Now button below:
Chase Sapphire Preferred® Card Apply Now
  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards®
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance
  • 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95
732
average
645
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 15.99%* Variable $0 the first year, then $95* Excellent Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 15.99% Variable*
Annual Fee $0 the first year, then $95*
Credit Needed Excellent Credit*

Credit Score Needed

Chase Sapphire Preferred® Card is generally for people with Excellent Credit, though other factors besides credit score can also determine whether a particular application is accepted. See more Chase offers.

Most Helpful User Review

Commented at Aug 23, 2013

Don't be discouraged if your credit score, history isn't excellent, or you don't have other high limits.  I have a 690 TU Fico and a 680 Equifax FICO, 700 on Credit Karma and they listed my chance of this card as "Poor".  Also, I have 27 lates in my history, including a 90 in 2007, and a 60 in 2009 on my car loan.  Only two of those 30 day lates are in the last 2.5 years though, and none in 2013.  

To top it off, I had no high limits on my cards.  I had 2 Chase Cards with $250 & $300 limits, a BOA with $500, Capital 1 with $300, and Cap 1 turned me down for a Credit Limit Increase.

Well, I went on Chase site and used their pre-qual tool, and Freedom came up, I applied and was approved for $5,000.  Next day, I decided I wanted to pair with Sapphire Preferred.  I thought for sure declined, but was approved for $6,000.  Only telling you because it is nice to know Chase looks at other factors besides raw score and history, and if you have a similar profile to mine, don't be discouraged from applying.

In my case I had $75K income, up a lot from prior years due to promotion, had paid all my cards down to zero so low Utilization, and had 2 credit cards, a checking, and a savings with Chase for years.  I believe it was my combo of good debt to income & prior relationship with Chase that allowed me to be approved despite having a relatively low score.

So, don't be discouraged if Credit Karma tells you "poor".  And use Chase Pre-Qual, someone had told me if an offer pops up for you, there's a very good chance of approval.

Review by supervelous

User Reviews

Average Rating: 9.4 out of 10 based on 345 user ratings.
Commented at Mar 28, 2015

Approved on manual review with 658EX FICO, 647 TU FICO. First $5k limit. CK odds: Fair. AAoA: 5yrs. Multiple old baddies. Credit analyst was helpful and the dedicated customer service line is nice. Zero automation. This is my first annual fee card as I usually despise the thought. However, if you're a moderate spender/traveler, the points and perks will far exceed the $95 AF. You get 40k points for spending $4k in the first 3 months...make sure you're comfortable in meeting that requirement before signing up. This is by far my favorite card and I love using it.

Review by TrialByFire24
Commented at Mar 6, 2015

I use this card for personal expenses and a Chase INK card for business.  The points combine for their rewards program, which is nice.

And I've traveled extensively with it (US & Europe) and had no issues with acceptance or foreign fees.  Highly recommended.

Review by KCTiger75
Commented at Mar 6, 2015

I have never been able to get a card through Chase for some reason, must not have matched their profile or my utilization must have been too high.  Have an AmEx Plat, several high limit Citi Cards (with low interest rates), high limit Credit Union Card and a variety of high limit store cards (like Home Depot).  Recently I decided to pay off all of my cards and reduce my card count to just a few banks. Once most of my cards (but not all) were showing as paid and my TU was showing around 760 (TU is always my lowest for some reason) I decided to apply for a Chase Freedom.  Got instantly approved for $3500 and decided what the heck, let's try CSP (even though the Chase pre-approval tool didn't show me as eligible).  Instantly approved for CSP, called in and asked them to expedite the card (I really have lousy mail service and this way it comes UPS) -- $9500 credit limit.  Started using this card instead of my AmEx.  

Unfortunately here's the "iffy" part.  I had my card restricted yesterday for a suspicious charge -- they didn't tell me, the card just didn't work.  No email alerts, no alerts on the account (AmEx is much better with this, they immediately call and email so you can resolve any issue before embarassement).

I called into Sapphire and got right through to a person (that is sort of neat) but they had to transfer me to the Security Dept.  After answering some pretty weird questions (what's your height on your driver's license, which of the following cars did you drive in 2000 -- 14 years ago???) they validated the charge I made was okay and removed the block.  I asked them to change my statement address to my PO Box that I use (I have a bill payment service -- Paytrust -- where all my bills go) and they said "oh, custimer service will have to do it let me transfer you back".  So back to customer service, they take care of it quickly, all is good.

...until the next day when I can't charge a $20 breakfast meal (card declined).  I call back in, get transferred immediately to security as there is a block on my account.  They ask "are you aware that an address change was made on your account?".  Huh?  Doesn't the right hand talk to the left hand here?  Anyways, had to go through the same authentication process, validate old address and new address and the card is unblocked -- we'll see for how long.

Other than that I love the card, it is pretty cool looking and I'm looking forward to getting the points bonus.  Hopefully as they get used to my charge pattern I won't get blocked every now and then!

Review by ChiDave
Commented at Mar 3, 2015

Great card. Got it on 10/08/14. Instant approval $20,000 credit line approval. Applied at Chase branch while making a withdrawal and teller told me that I had a pre-approved offer. 

Review by Anonymous
Commented at Mar 3, 2015

Extremely pleased to be approved by Chase for the Sapphire Preferred Card.   I had a 742 TU and 664 EFax FICO score and was approved for $8K limit.  I applied online using CK and received a message that I will receive a response in the mail on their decision.  Expecting an immediate response and being concerned, I called Chase and the they processed the application over the phone and notified me I was approved.  Great and quick customer support.   Excited to be a Chase Sapphire card member. 

Review by Anonymous

Credit Limit

If approved for the card, the issuer will notify you of the credit limit on your card. Please see the Chase Sapphire Preferred® Card for complete terms, conditions, and details of the offer.

+ This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.